@Anonymous wrote:
So i am thinking, should i get rid of Total card and leave my cards the way they are? or apply for the secured IT card from discover? to replace the Total card?
What are you looking to accomplish? What do you specifically need/want from a new card? Selecting a card isn't just about the card itself. It's about what specifically suits you.
Consider the information in the Closing Credit Cards thread linked in the Helpful Threads sticky.
@Anonymous wrote:
Yes I was declined for discover the last time I applied.
Use those denial reasons as a starting point on what to work on with your credit profile. Your scores also indicate that there are issues with your credit profile. Don't just rely on what you think you can qualify for. Idenitify the issues with your credit and work on addressing them.
@beautifulblaquepearl wrote:
Discover does have a good rewards system; however, not everyone has been fortunate with CLIs.
It's not a matter of fortune or luck. As with any creditor it's a matter of one's credit profile and income.
